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Report: Most Exciting Global Fintech Companies Of 2015

Zhong An innovative insurance is an Internet-based insurance company data. Big data allows insurers can not meet the needs of the past.

A collaborative report from H2 Ventures and KPMG offers an in-depth view of the most exciting startups and organizations taking advantage of technology to revolutionise the financial services industry. The report has categorized the companies into two lists: the 50 leading established players creating change within financial services, and 50 of the emerging fintech stars of tomorrow.

The top companies in the leading established players include:

1. ZhongAn

It is an innovative online property insurance company that utilizes big data technology to assist with product design, automatic underwriting, auto claims, precision marketing and risk management. Founded in 2013 in Shanghai, ZhongAn Insurance is the first company in China to be issued an internet (online) insurance license. It is a joint venture between: Alibaba Group Holding (an e–commerce company), Tencent Holdings (an online gaming and social networking company) and Ping An Insurance.

2. Oscar

It is focused on utilizing technology to simplify the entire healthcare experience. Finding discrepancies and horrible consumer experience with the current state of the US healthcare system, the Oscar team decided to reinvent how healthcare is delivered. They are reinventing how to manage care, process medical claims, control healthcare costs, and provide transparency.

3. Wealthfront

It is an automated investment service that combines world-class financial expertise and leading edge technology to provide sophisticated investment management at affordable prices. Wealthfront simplifies getting access to world-class, long-term investment management without the high fees or steep account minimums.

4. Qufengi

Qufenqi is an electronics retailer that offers monthly installment payment solutions to the students and professionals in China. The company primarily offers smartphones, laptops and other consumer electronics online. Customers can choose their own down payment option and the time period for making regular monthly installments.

6. Funding Circle

It is the world’s leading marketplace exclusively focused on small businesses, providing a platform where investors can browse businesses that it has credit assessed and approved for lending. Once approved, businesses post their loan request on the Funding Circle marketplace. It is here that investors choose which type of business to lend to, the amount of money they wish to lend, and the interest rate they want to earn.

From the cryptocurrency ecosystem, Coinbase and 21Inc have also made it to the top 50, with the former at rank 26 and 21Inc at 48.

The upcoming fintech companies – “the ones to watch” – include:


It is a financial service that helps individuals to save and invest money, enabling them to start early, invest often, and reach financial goals. One key feature is round-ups – rounding up each of the transactions to the nearest dollar, and invest the change into a diversified portfolio. Acorns provides the option of choosing a portfolio that is in line with one’s investment goals and the amount of risk they are comfortable taking.


Avoka software delivers frictionless digital sales and service transactions for financial institutions, government agencies, and many other industries where traditional “shopping cart” e-Commerce is not a good fit. For information intensive transactions such as loan applications, account openings, enrollment forms and insurance claims, Avoka creates a digital, mobile responsive experience that can be deployed in weeks, rather than the months of development required by traditional IT projects.


The Bankable platform enables a range of payment solutions including e-wallets, m-wallets, remittance services, P2P money transfers, light banking, virtual accounts, cash management, and virtual and plastic prepaid card programmes. Its core platform is available in white-label or via APIs, allowing leading financial institutions and disruptive fintech players to develop payment solutions tailored to business needs.


BLender provides a multi-continental, and cross-border, marketplace lending service in countries with limited consumer credit information. It was founded in 2013 by a group of physicists and IT professionals with a wide range of backgrounds in algorithms, big data, and virtual intelligence of complex systems. It strives to pioneer the multi-continental and cross-border marketplace lending arena by building a bridge between lenders and borrowers across the globe.


It drives mainstream adoption of digital currencies, such as Bitcoin, for merchants and consumers. Merchants benefit from Coinify’s payment service, enabling free, instant settlements in a fraud-free and chargeback-free blockchain payment environment, giving consumers access to secure, one-click payments that reveal no sensitive information.


Colu is a blockchain technology platform for developers and enterprises providing a powerful toolbox for building customized blockchain based applications. From a mobile app that enables to store, send and receive digital assets, to the Dashboard which is a control panel for managing digital assets, to the Engine that handles all things blockchain in the backend using its API and SDK.


It provides global financial settlement solutions to enable the world to exchange value like it already exchanges information – giving rise to an Internet of Value (IoV). Ripple solutions lower the total cost of settlement by enabling banks to transact directly, instantly and with certainty of settlement. Banks around the world are collaborating with the company to improve their cross-border payment offerings.

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